abstract: about 60% of total premium of insurance industry is pertained?to life policies in the world; while the life insurance total premium in iran is less than 6% of total premium in insurance industry in 2008 (sigma, no 3/2009). among the reasons that discourage the life insurance industry is the problem of adverse selection. adverse selection theory describes a situation where the inf...

the present research was conducted to explore the effect of employing two language teaching approaches, i.e. schema-based instruction (sbi) and translation-based instruction (tbi), on vocabulary knowledge, structure and reading comprehension ability of forty one female students learning english in grade one senior high school in rivash, kuhsorkh, iran. while sbi focuses on schemata, i.e. words ...

bserved by many teachers that most of the time, mumbling and searching for their intended words, students complain why they have forgotten the words they have learned in the previous semesters. they ask for some new ways that may help them to recall and apply the learned words more efficiently, since as they declare one of the most important skills in foreign language learning is having a g...

determination of uranium in natural water and complex solutions using ion exchange chromatography: a combined procedure using ion exchange chromatography and uv-vis spectrophotometry techniques has been developed to measure uranum in natural water and complex solutions. after conditicing , one hundred milli liters of sample solutions have been passed through an ion exchange column,pachked with ...

learning a second or foreign language requires the manipulation of four main skills, namely, listening, reading, speaking, and writing which lead to effective communication. it is obvious that vocabulary is an indispensible part of any communication, so without a vocabulary, no meaningful communication can take place and meaningful communication relies heavily on vocabulary. one fundamental fac...

rivers and runoff have always been of interest to human beings. in order to make use of the proper water resources, human societies, industrial and agricultural centers, etc. have usually been established near rivers. as the time goes on, these societies developed, and therefore water resources were extracted more and more. consequently, conditions of water quality of the rivers experienced rap...

the ability of composing a coherent and extended piece of writing in second language is considered as a fundamental factor to convey information and ideas of learners through the academic issues. although learners may achieve a perfect academic writing skill through assigning the l2 tasks in content based instruction, but demonstration of their abilities may be related to their ability in l1 es...

abstract this mixed method study examines whether there is any relationship among the variables of the study (job satisfaction, social capital and motivation). the researcher considered job satisfaction and social capital as independent variables; motivation is the dependent variable of the study. the researcher applied a questionnaire to assess each variable. to measure efl teachers’ job sati...

the research questions were as follows: 1. is there any relationship between the students concious awareness of the form and implications of the conjuncations and their improvement in using appropriate conjunctions? 2. does students knowledge of the from and the implications of the conjunctions help them to produce more coherent writings. 3. does a comparison between english conjunctions and th...

in this project, some new polyaspartimides, (pas)s, have been synthesized form michael addition reaction between new synthetic bismaleimide (bmi) and some aromatic diamines. a characteristic property of this polyaspartimides is a pendent carboxylic group, which introduced to these polymers from new bismaleimide. bismaleimides (bmi) is one of the interesting compounds, which can be self-polymeri...